Despite Zhang Hao's rhetoric, Zhou Hengming is still not optimistic about the other party's entrepreneurial project, mainly because it is too unpopular, too unfamiliar, and the risks are uncontrollable.
However, borrowing money is still no problem.
Twenty points of interest is already quite considerable.
"Well, I still have 80 million in my account, so I'll lend it all to you."
"How about adding another 20 million? To make up to 100 million?"
"That's all, nothing more."
Zhang Hao didn't want to give up easily, so he immediately came up with an idea: "Brother Zhou, how about you go to the bank and borrow 20 million. The interest rate on the loan is less than five points at the moment, which is equivalent to a net profit of fifteen points. It's simply
Trading without capital!"
"Why don't you borrow it yourself? Give me the profit for free?" Zhou Hengming subconsciously questioned.
"Don't you think you want to? Uncle Zhou has promised to guarantee 1.2 billion for me, but I have almost no fixed assets in my name, so I can't borrow much even if I want to!"
Zhang Hao smiled bitterly.
If possible, he would dare to borrow not to mention 10 billion, but 100 billion, but it is a pity that this is not feasible.
Zhou Hengming immediately became cautious: "Xiaohao, tell me honestly, is this a Ponzi scheme?"
"The conscience of heaven and earth, what kind of person am I?"
Zhang Hao suddenly said "aggrieved".
"But you borrowed too much money. A loan of 1.2 billion, plus my 100 million, do you know how much interest there is every year? Can you guarantee the success of your business?"
"Brother Zhou, I will vouch for you with my personality."
Zhang Hao doesn't want to explain too much, and he can't explain it clearly.
Zhou Hengming lowered his head and thought for a while. Although Zhang Hao has a notorious reputation and is a typical "prodigal son", his character is still trustworthy.
To put it another way, even if he can't pay back the money.
Aren't there Uncle Zhang and Zhang Jiayi? No matter how bad the old Zhang family is, they can still scrape together 100 million, and their villa is more than 100 million.
"Okay, I'll lend you two hundred million."
Zhou Hengming himself is a decisive person.
It's only 200 million, so it won't have much impact on him. Since it's profitable, he certainly doesn't mind taking a gamble.
"What a courage!" Zhang Hao immediately gave a thumbs up, "Brother Zhou, don't worry, I will return the money to you before the end of the year at the latest."
"No rush, I'm not in a hurry to use money now, it doesn't matter if I wait for two years." Zhou Hengming said politely.
"Thank you. When my sports base is completed, I will give you a membership card, free for life."
Zhang Hao quickly promised.
This is called acting in full.
Zhou Hengming smiled and picked up the wine glass: "Okay, then I'll be disrespectful."
"Don't be polite to me."
Zhang Hao clinked his wine glasses with the other party and drank them all in one gulp.
"By the way, are you short of space? I know a few real estate owners, would you like to ask them for you?"
Zhou Hengming asked immediately.
Zhang Hao shook his head: "No, the venue has been selected. It's right over in Huicheng. Didn't I tell you this morning that I will go there in person tomorrow?"
"Huicheng? Why did you run so far?"
"The winter in the north is too cold, and many projects cannot be carried out. After all, Huicheng is more suitable."
Zhang Hao explained casually.
"I see." Zhou Hengming nodded, "So, your whole family is going to move there?"
"Yes, I will live there from now on."
"Then what will you do with your villa? Will you sell it?"
"Hey, Brother Zhou, do you have any ideas?"
Zhang Hao tentatively said.
Zhou Hengming made no secret of it: "I just found a new girlfriend recently and I'm currently in need of a house. Your villa is in a good location. Isn't it a coincidence?"
"What a great deal. Could it be that you have met true love?"
"This is a real estate worth hundreds of millions. Am I that stupid? Don't worry, the house is in my name."
"OK, I can give the villa to you, Brother Zhou, and we can directly offset the debt of 100 million, how about that?"
"Okay, but I can't take advantage of your family in vain. Let's do this. I will lend you another 100 million and regard it as compensation for you."
"Great."
Zhang Hao didn't expect an unexpected surprise.
"Don't be too anxious to be happy yet. Is there no problem with Uncle Zhang?"
"Absolutely no problem. I am the only son in our family. Wherever I go, my dad and the others will of course go with me. We can sign an agreement first. If there are no accidents, the transfer should be completed before July."
July is the time for Xinyu Electric to go on the market.
It’s also the time for his showdown with his family.
"There is no need to sign the agreement. You can just write me an IOU. Can I still not believe you?"
"Then it's settled!"
Zhou Hengming nodded: "If Uncle Zhang doesn't agree, don't force it. When the time comes, I will lend you the 100 million, and the interest of 20 points will not be less."
"Brother Zhou, let me toast you."
"Easy to say."
After the meal, under Zhou Hengming's strange gaze, Zhang Hao asked the waiter to pack up all the leftovers and ordered two portions of rice.
"Xiaohao, what do I mean to you?"
"Brother Zhou, my dad went to my second sister's place. I am the only one at home now. These dishes can be brought back for dinner, which also saves waste."
"Just order a few new dishes, and how much money will it cost?"
"It's too time-consuming and unnecessary."
Zhang Hao carefully picked up the packing box.
Seeing this, Zhou Hengming couldn't help but joked:
"Haha, don't mention it, your behavior is very similar to my dad. Every time there is a dinner party, he has to pack a lot of leftovers back."
"Hey, this is called heroes seeing the same thing."
……
After returning home, Zhang Hao couldn't wait to dig out his old mobile phone. Zhou Hengming's words just inspired him. You don't have to borrow money from a bank, you can also borrow it privately.
As long as the promise can be fulfilled in a timely manner, it is not a Ponzi scheme.
After a while of fiddling, the phone screen finally lit up, and the first call was made to a college classmate.
Like him, the other party is also a rich second generation.
"Mouse, are you finally willing to contact me? Why did I disappear for you?"
Chen Jinghan couldn't help but complain.
"Ahem, I lost my old mobile phone, and I can't find my address book..."
Zhang Hao explained awkwardly.
Since his wife left, he has completely cut off contact with his old classmates in order to escape reality.
Chen Jinghan did not continue to ask. He had already heard about the experience of his old classmate and expressed deep sympathy for it.
After some pleasantries, Zhang Hao got straight to the point:
"Old Chen, do you have enough money?"
"What? Are you short of money?"
"Well, here's the thing. I want to start a business, but I'm a little nervous. Can you lend me some money, and I'll give you twenty points of interest."
Chen Jinghan hurriedly asked with concern: "I'm talking about mice, doesn't your family run a factory? Is it because your uncle's business can't make enough money?"
"Don't get me wrong, there is nothing wrong with our family. I just don't want to rely on my dad and want to create a career with my own true abilities."
"That's it, how much do you want to borrow?"
"How much can you borrow?"
Zhang Hao asked instead of answering.
"Tsk, tsk, you have a big appetite. I don't have much money on hand, so I can only lend you 10 million. If it's not enough, I'll think of another way."
"That's enough, that's enough. Don't worry, I will pay you back the principal with interest at the latest before the end of the year."
Zhang Hao felt a little touched.
We haven’t seen each other for seven or eight years, but the feeling of being classmates is still there.
Chen Jinghan smiled and refused: "There is no need for interest, just treat me to a big dinner, and then call Lao Liu and the others together, and let's get together."